Is $13 cashback a good reason to change how we pay for a washing machine?
Money"We may as well get thirteen dollars back," my partner said, pointing to a card offer advertising 2% rewards on the $650 washing machine we'd chosen.
We already have the $650 put aside. My suggestion was to pay directly and be done. His is to use the card and pay the statement later. He has checked that the purchase would qualify for the advertised reward, but we haven't gone through the rest of the terms together.
I once nearly forgot a card payment and now prefer seeing a planned purchase leave the account immediately. He pays his card routinely and thinks I'm giving up a discount because I don't like another date to remember. The washer is the same either way; this isn't about buying a more expensive model.
Would you use the card if the full purchase money stayed reserved and the payment was clearly assigned to one person? Or is keeping the process simple a reasonable preference even when it has a visible $13 price?
